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Stamp duty calculator

Stamp duty can be one of those unexpected costs of buying a property in Australia. Use our stamp duty calculator to estimate how much your upfront stamp duty costs could be. To make this easier, we've factored in the stamp duty rules that may apply to your location. Jump on it now.

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Your estimated upfront costs

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Transfer of Land / Stamp Duty

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Concessions 

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Other government costs

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Conveyancing

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Bank charges

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LMI 

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Your estimated deposit

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How much you have now

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First Home Owner GrantSuperscript: 1 

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Total estimated upfront costs

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Assumptions:

  • These calculations are estimates only and are provided for illustrative purposes. The estimates are based on the limited information you have provided. It does not constitute a quote or an offer for credit. To apply for an ANZ home loan you must complete an application. All applications for credit are subject to ANZ’s credit approval criteria.
  • For the purpose of estimating Stamp Duty, Off The Plan concessions have not been included in this estimate.
 
  • The estimated upfront cost amount includes an estimate for Lender’s Mortgage Insurance (LMI).
  • By indicating that you intend to live in the home you’d like to purchase, we’ll assume it’s for a minimum of 12 months, which is an eligibility requirement for the FHOG and the first-home buyer duty concession.

Our repayments calculator can help you understand how much your potential repayments could be.

The information on this page does not apply to ANZ Plus products

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  • Interest rate enquiry

As well as any other home loan queries you may have.

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Frequently asked questions

Each state and territory has its own rules for how to calculate stamp duty – and some are more complex than others. 

To get the latest information for your state or territory, choose your location:

You generally have to pay stamp duty upfront on settlement of a property, although payment requirements differ from state to state.

Usually, you can pay the stamp duty by direct deposit, bank transfer, cheque or credit card. The conveyancer or lender may help organise the stamp duty transaction on your behalf, however you will need to check this.

Stamp duty or land transfer duty is the tax that you pay when buying a property. In some states or territories, it may be referred to as 'conveyancing duty', 'transfer of land duty', 'property transfer duty' or 'transfer duty'.

Generally, when buying land in any state or territory in Australia, which may include buildings (such as a family home on a suburban block), you will need to pay stamp duty to the relevant state or territory government. The amount of stamp duty depends on which state or territory the property is in and the property value.

The exact amount payable depends on a number of factors, including the location of the property and whether you're eligible for any concessions or exemptions. Depending on where you buy and the value of the property, stamp duty could add a significant sum to the cost of the property.

See the stamp duty rules for your state or territory 

Stamp duty is generally based on the market value or purchase price of the property, whichever is greater. Generally, the cheaper the property, the less stamp duty you’ll pay but there are other variables that could impact your stamp duty bill.

See the stamp duty rules for your state or territory 

In some states and territories, stamp duty exemptions and concessions may be available for eligible first home buyers, seniors and pensioners. There might also be concessions based on the value of the property purchased or the buyer’s annual income.

In some cases, there are exemptions and concessions for stamp duty on your first home. However, each state and territory has its own rules and property purchase price thresholds may apply.

In some states and territories, you may be able to save on off the plan stamp duty because you’re buying a new property before it’s actually been constructed. This can vary depending on which state or territory the property is in, whether you’re purchasing a home or an investment property, and your particular contract. 

When you’re building a new house, you pay stamp duty based on the value of the land you buy. You generally don’t have to pay stamp duty on the house you then build, although you should check with your solicitor or conveyancer as to whether this is the case.

Check with your solicitor or conveyancer about your stamp duty and whether you’re eligible for a stamp duty exemption or concession.

Important information

The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product.

All applications for credit are subject to ANZ credit approval criteria. Product terms and conditions are available on application.

1. We've included the First Home Buyer or other property concessions based on the information you have provided regarding your property purchase and on the assumption that you will be eligible for the concession. For information regarding the concessions which may be available in your state and details of the eligibility criteria, please refer to the relevant government website.

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2. An ANZ Security Guarantee could help reduce your LVR to less than 80% and save you from having to pay LMI if you have a guarantor who agrees to accept the risks and obligations associated with entering into a guarantee. It is important to remember that if for some reason you default on your loan, ANZ can seek to recover from your guarantor.

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3. The maximum acceptable LVR before Lenders Mortgage Insurance is required depends on the type and location of the purchased property. The maximum LVR before Lenders Mortgage Insurance that is generally required is usually 80%. For some property types, LMI might be required when LVR is less than 80%.

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4. ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.

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